Home Insurance in Copeland, Kansas
Homes in Copeland carry a median value of $252,500 - 23% higher than the Gray County median.
The typical home in Copeland was built around 1971. About 40% of homes were built before 1960, about 10 points above Gray County's 30%. Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them.
The housing stock in Copeland is 97% single-family homes and 3% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
About 25% of owner-occupied homes in Copeland have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Copeland has an owner-occupancy rate of 86% and a vacancy rate of 8%; unoccupied homes typically need a different coverage form.
98% of homes in Copeland are primarily heated with natural gas.
Gray County had 2 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hail (Relatively High). See the full Gray County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Kansas, the statewide average premium for a standard HO-3 homeowners policy is $1,733 per year (NAIC, 2023 data).
Key figures
| Median home value | $252,500 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 25% |
| Top county hazard | Hail (Relatively High) |
| Active NFIP policies in Gray County | 2 |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)